Thats why now is the time to invest. The stock market isn't going to go down much more than it already has. If it does to the point where we are in a depression, we're all screwed anyways.

You are exactly correct. This is where you can make or break your future/retirement. People need to have faith in our future econmoy right now and continue to spend, invest and contribute to savings/401k/retirements funds. Your shares you purchase now are at an all time low. When is the best time to buy? We all do it with cards, it's just like prospecting. Buy low, sell high. Like I already stated, I have bumped up my spending on cards with a hope for a large future return, just like I have with my other investments. Only time will tell who is right in this matter. Rob